Pregnancy Guide. Teachers Federation Health Ltd. ABN trading as UniHealth Insurance. A Registered Private Health Insurer.

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Pregnancy Guide. Teachers Federation Health Ltd. ABN 86 097 030 414 trading as UniHealth Insurance. A Registered Private Health Insurer."

Transcription

1 Pregnancy Guide Teachers Federation Health Ltd. ABN trading as UniHealth Insurance. A Registered Private Health Insurer.

2 Contents Page 3 Thinking of having a baby? 6 Step 1. Choose the right product for you 8 Step 2. Choose an obstetrician 10 Step 3. Ask about the Access Gap Cover (AGC) scheme 16 Asking your obstetrician if they will participate in the Access Gap Cover scheme 18 Other information 20 Frequently asked questions 22 Parent & Infant Program 24 Did you know? Privacy Policy UniHealth Insurance respects your privacy and is committed to managing and protecting your personal and health-related information in accordance with relevant legislation in Australia. If you would like to find out more about UniHealth Insurance s privacy policy, visit unihealthinsurance.com.au/privacy Pregnancy Guide 2

3 Thinking about having a baby? Does your current policy cover pregnancy and birth related services? Will you have to pay an excess on your current cover? When you start planning a family with your partner, you need to think about your health cover. If you want to be covered for obstetrics (pregnancy and birth related services) in a private hospital with an obstetrician of your choice, you need to take out Private Hospital cover or upgrade your existing membership well before you are pregnant, as waiting periods will apply. Your Private Hospital cover kicks in once you are admitted into hospital. You need to be aware that out-of-hospital medical expenses incurred throughout your pregnancy (scans, obstetrician appointments, blood tests etc) will not be covered by your private health insurance although they may be covered to some extent by Medicare. Check if you are eligible for additional Medicare benefits with the Medicare Safety Net (see page 15). Pregnancy Guide 3

4 Step 1 Pregnancy Guide 4

5 Choose the right product for you Top Hospital Top Hospital is an appropriate level of cover for pregnancy and birth related services. If you are on Top Hospital and your chosen hospital has an agreement with UniHealth Insurance, you will be covered in a private hospital for: Accommodation, labour ward, theatre and intensive care fees. Private or shared room (subject to availability). Obstetrician / surgeon / specialist fees (for services provided in hospital as an admitted patient). Access Gap Cover - if your doctor charges you under this scheme, your out-of-pocket expenses may be reduced or eliminated (see page 11). Emergency Ambulance Transport. Check if your hospital has an agreement with UniHealth Insurance at unihealthinsurance.com.au or call us on If your chosen hospital does not have an agreement, you will be covered up to the default rate (set by the Federal Government) and will incur significant out-of-pocket expenses.

6 Mid Hospital & Basic Hospital If you have Mid Hospital cover or Basic Hospital you will be covered in a public hospital for: Accommodation, labour ward, theatre and intensive care fees Shared room Obstetrician / surgeon / specialist fees (for services provided in hospital as an admitted patient) Access Gap Cover - if your doctor charges you under this scheme, your out-of-pocket expenses may be reduced or eliminated (see page 11) Emergency Ambulance Transport StarterPak If you have StarterPak, you will not be covered for pregnancy and birth related services in a private or public hospital. Will I have waiting periods to serve? There is a nine month waiting period for all pregnancy and birth related services. This means you need to have held an appropriate level of cover for at least nine months before you are admitted to hospital to have your baby. Check your waiting period status by logging into your membership via Member Area at unihealthinsurance.com.au or calling Will I have to pay an excess? If you have Top Hospital Nil Excess, no excess is payable. If you have Top Hospital 300 or 500, Mid Hospital or Basic Hospital, you will have an excess to pay towards your admission. (see page 7) Pregnancy Guide 6

7 Hospital cover Excess payable Private Hospital cover Top Hospital Top Hospital 300 Top Hospital 500 No excess. $300 per person, per calendar year. The excess is paid once per person, per calendar year to a maximum of twice per membership, for family and couple memberships. This excess is only payable when admitted to a private hospital. Please note: excess does not apply to dependants under the age of 21. $500 per person, per calendar year. The excess is paid once per person, per calendar year to a maximum of twice per membership, for family and couple memberships. This excess is only payable when admitted to a private hospital. Please note: excess does not apply to dependants under the age of 21. Public Hospital cover Mid Hospital 300 Mid Hospital 500 Basic Hospital $300 per person, per calendar year. The excess is paid once per person, per calendar year to a maximum of twice per membership, for family and couple memberships. This is payable when you are admitted to a private or public hospital. Please note: If you choose to deliver in a private hospital, significant out-of-pocket expenses will be incurred. Mid Hospital only provides pregnancy cover in a public hospital. $500 per person, per calendar year. The excess is paid once per person, per calendar year to a maximum of twice per membership, for family and couple memberships. This is payable when you are admitted to a private or public hospital. Please note: If you choose to deliver in a private hospital, significant out-of-pocket expenses will be incurred. Mid Hospital only provides pregnancy cover in a public hospital. $300 per person, per calendar year. The excess is paid once per person, per calendar year to a maximum of twice per membership, for family and couple memberships. This is payable when you are admitted to a private or public hospital. Please note: If you choose to deliver in a private hospital, significant out-of-pocket expenses will be incurred. Basic Hospital only provides pregnancy cover in a public hospital.. No cover StarterPak Pregnancy is not covered. Pregnancy Guide 7

8 Step 2 Pregnancy Guide 8

9 Choose an obstetrician How do I choose an obstetrician? Ask your GP for a list of obstetricians in your area. We recommend that you give them a call and ask them the following questions: 1. Are you taking any more patients? 2. At which hospitals do you deliver? 3. Is that a public or private hospital? 4. Can you provide me with a rough guide as to the fees you charge for planning and managing my pregnancy? 5. Do you participate in the Access Gap Cover scheme? 6. What arrangements do you have in place if you are away at the time of the delivery? Contact us and ask: If the hospitals your obstetrician works at hold an agreement with UniHealth Insurance. If you elect to have your baby in a hospital that does not hold an agreement with us, you will have significant out-ofpocket expenses. Whether the obstetrician has participated in Access Gap Cover before. If they have, they may consider charging you under the Access Gap Cover scheme which will eliminate or significantly reduce your out-of-pocket expenses. Or visit unihealthinsurance.com.au Ask your obstetrician for a quote Obtain a quote (known as Informed Financial Consent) from your obstetrician so you are aware of the charges payable throughout your pregnancy. Remember that any services received while you are not admitted in hospital may only be partially covered by Medicare. You should discuss with your obstetrician if he/she will bill you under the Access Gap Cover scheme for services received when you are admitted to hospital (to give birth).

10 Step 3 Pregnancy Guide 10

11 Ask about the Access Gap Cover (AGC) scheme Access Gap Cover (AGC) is a billing scheme that aims to reduce or eliminate out-of-pocket expenses incurred by doctor and specialist services received in hospital as an inpatient. AGC allows us to pay above the scheduled fee for services provided to you as an inpatient, covering the entire doctor s fee or leaving you with significantly reduced out-of-pocket expenses. If your obstetrician chooses to participate in AGC, they must provide you with a written estimate of fees for the cost of the services throughout your pregnancy. Doctors can choose to participate in AGC on a patient-by-patient basis, so you should discuss this with your doctor. If your doctor charges the AGC fee, you will have nothing to pay. If they charge above the AGC fee you will be able to establish the known gap that you will have to pay before you receive treatment. The checklist overleaf will help you to reduce your out-of-pocket expenses, or determine the possible out-of-pocket expenses. Pregnancy Guide 11

12 Asking your obstetrician if they will participate in the Access Gap Cover (AGC) scheme Will the fee you charge me be covered under AGC or will I have to pay a known gap? If there is a gap amount, can you provide me with an Informed Financial Consent document so I know exactly how much I will be out-of-pocket? Can you provide me with the relevant Medicare Benefits Schedule (MBS) Item numbers, so I can discuss these with UniHealth Insurance and/or Medicare? Will any assisting doctors involved in helping me give birth, including anaesthetist, assistant surgeon, paediatrician and pathologist, treat me under AGC? What out-of-pocket expenses, if any, will there be for their services? Can you send the bill directly to UniHealth Insurance, so that they can claim the Medicare benefit on my behalf and send the payment back to you? Pregnancy Guide 12

13 Other information What out-of-pocket expenses might I have? A hospital excess paid upon admission to hospital (depending on your level of cover). Anaesthetist (if you have an epidural or a caesarean section) if they do not participate in the AGC scheme. Any assisting specialists (e.g. assisting surgeon if you require a caesarean) that do not participate in the AGC scheme. If your baby receives treatment in the hospital and is not an admitted patient (e.g. paediatric check-up). Pharmaceuticals that are not covered in the agreement with the hospital or that are listed under the Pharmaceutical Benefits Scheme. For visits to your obstetrician and any tests or scans before and after you go to hospital: Medicare pays 85% of the MBS fee, you pay the remainder of the account. For treatment in hospital when an admitted patient: Medicare pays 75% of the MBS fee, UniHealth Insurance pays 25% of the MBS fee. Then, you pay the remainder of the account (unless the specialist providing the treatment participates in AGC). After the baby arrives When you are settled in and have a few moments to spare, give us a call on or log on to the Member Area at unihealthinsurance.com.au and add your baby to your cover. We will need the name, date of birth and sex of your baby for them to be covered with no waiting periods. All waiting periods will be waived for your baby if you add him/ her to your membership within two months of the birth of your child. Please note: If you are on a single membership, you will need to upgrade to a family or single parent membership, within 2 months, to add your baby to your cover and avoid any waiting periods. Pregnancy Guide 13

14 Frequently asked questions 1. What happens if I am considering getting pregnant but I m on a Hospital cover that excludes or restricts pregnancy or birth related services, and I want to give birth in a private hospital? It s important you have Hospital cover that includes pregnancy benefits, such as Top Hospital. A nine month waiting period applies for all services relating to pregnancy and childbirth. This means, you will need to have held Top Hospital well in advance of your pregnancy. 2. What happens if my baby is premature and I have not served my waiting periods? If your baby comes early and you are still within the nine month waiting period you will not be entitled to benefits under your private hospital cover. For this reason, UniHealth Insurance recommends taking out or upgrading to a cover that covers pregnancy well in advance of your pregnancy. 3. What if my baby is premature and I am required to give birth in a public hospital, even though I am booked to give birth in a private hospital? You may be admitted as a private patient in a public hospital. You will not be guaranteed a private room. However, if a private room is available or becomes available during your stay, you may be relocated to the available room. This decision is dependent on the hospital and is not controlled or influenced by UniHealth Insurance. 4. What happens if I have Hospital cover that includes pregnancy, but I become pregnant while I am on a single membership? If you have a single membership, you will still be covered during your pregnancy and at the birth of your baby. Once your baby is born, you will need to upgrade to a family or single parent membership. This is particularly important if your baby is admitted to hospital. Simply call us on or login to the Member Area at unihealthinsurance.com.au You will need to advise us of the name, date of birth and sex of your baby. Pregnancy Guide 14

15 5. When is my baby an admitted patient? Babies born without complications are generally not admitted to hospital, but treated as an out-patient. A newborn baby is classified as an inpatient when one or more of the following criteria are met: The baby is admitted to an approved neo-natal intensive care facility. The baby is the second or subsequent born in a multiple birth situation (i.e. twins or triplets). The baby is more than 10 days old when still in hospital. 6. What do I need to do if my baby is admitted to hospital? After giving birth, your main focus will be on your own recovery and the health of your newborn baby. However, if your baby is admitted to hospital, he/she will need to be added to your cover as soon as possible (within two months) to ensure that a claim can be made for the costs incurred during that time. 7. What happens if my baby is not admitted to hospital but still receives treatment? Benefits will only be available through Medicare. Medicare will cover 85% of the Medicare Benefits Schedule (MBS) fee. Benefits are not available from UniHealth Insurance when your baby is not an admitted patient in the hospital. 8. Does UniHealth Insurance pay benefits for antenatal and postnatal courses? Antenatal and postnatal classes conducted outside of a hospital may be covered if you have Top Extras cover. Please contact us on for further information. Some hospitals offer postnatal classes in conjunction with your hospital admission and accommodation costs. These costs are covered by UniHealth Insurance if you have Private Hospital cover. Eligibility criteria applies. 9. What is the Medicare Safety Net? The Medicare Safety Net provides families and individuals with financial assistance for high out-of-pocket expenses for out-ofhospital Medicare Benefits Schedule (MBS) fees. Once you meet a Medicare Safety Net threshold, you may be eligible for additional Medicare benefits for out-of-hospital MBS services for the rest of the calendar year. You can register for the Medicare Safety Net for free at medicareaustralia.gov.au. This allows Medicare to track your out-of-hospital, out-of pocket expenses and advise you when you are nearing the threshold. Pregnancy Guide 15

16 10. Why won t my doctor participate in the Access Gap Cover (AGC) scheme? It is up to your doctor to decide whether to charge you under the AGC scheme. Even if the doctor has previously participated in this scheme, it does not guarantee that the doctor will participate for your treatment. Doctors are free to choose on a patient-by-patient basis. This decision remains solely with the doctor. 11. What might I have to pay for during my hospital stay? There are services that you may receive in hospital that are not covered by us. These include: Telephone and internet usage charges. TV hire or other items of a non-medical nature. Pharmaceuticals that are not covered in the agreement with the hospital or that are listed under the Pharmaceuticals Benefits Scheme (PBS). 12. Can I receive benefits towards home nursing after a hospitalisation? If you have Top Extras cover you may receive benefits towards home visits by a registered nurse in a private practice. 13. Does UniHealth Insurance pay a benefit for one-on-one lactation nursing? If you have Top Extras cover you may receive benefits towards one-on-one lactation nursing received from a recognised provider. 14. Does UniHealth Insurance pay a benefit for support/surgical stockings or compression garments? Some women may be required to wear surgical stockings or compression garments during their pregnancy to prevent or minimise varicose veins. If you have Top Extras cover, a benefit may be payable if your doctor or obstetrician recommends you to wear surgical stockings. However, written evidence must be provided to UniHealth Insurance. Please note: compression garments must have a compression grade or class greater than 1 (compression greater than 30mm Hg). Pregnancy Guide 16

17 For more information, contact us on Pregnancy Guide 17

18 Parent & Infant Program * Supporting you in pregnancy and parenting UniHealth Insurance has formed a partnership with the Parent-Infant Research Institute (PIRI) to bring you our Parent & Infant Program. PIRI is Australia s largest research centre for perinatal depression and a leader in early intervention treatment programs for perinatal depression and helping parents make the transition to parenthood. The program covers a range of important areas that aren t normally covered in routine antenatal classes and is administered by trained health professionals. How does it work? The Parent & Infant Program gives you access to PIRI s services including: Before the birth you will be sent, The Towards Parenthood Self-Help Workbook. After the birth, contact PIRI to access a range of services and support. This could include consultation and support over the phone or , telephonic counselling, face-to-face counselling, including individual or group treatment, referral to suitable services including face-to-face assessments with clinical psychologists, and liaison with external providers. Interested? If you are pregnant, let us know by calling so we can introduce you to the program at the start of your pregnancy. We will also be reviewing cover checks done by hospitals to identify any members who are pregnant and will send them the book and information about the program. The Parent & Infant Program is available at no additional cost to eligible members who have Hospital or Combined cover (excluding StarterPak). Your eligibility will be confirmed when you notify the Fund of your pregnancy. * This program is not intended to replace the clinical advice of your doctor or health care provider. You should consult your doctor for specialist medical advice if you have any concerns about your pregnancy. Eligibility criteria applies. Pregnancy Guide 18

19 More information For more information, including the full eligibility criteria visit unihealthinsurance.com.au or piri.org.au. Alternatively, contact PIRI between 9am 5pm, Monday to Friday AEST on Pregnancy Guide 19

20 Did you know? Dental A pregnant woman s unique diet during pregnancy can sometimes cause dental diseases. The frequency of meals and gastric acids (due to vomiting when experiencing morning sickness) can cause erosion of the tooth surface. A diet low in sugar and acidity is recommended to reduce the risk of tooth decay. A pregnant woman runs an increased risk of gingivitis during pregnancy. This is caused by an excess of bacterial plaque compounded by hormonal changes. Good oral hygiene is highly recommended to prevent this. So if you have Extras cover, have a dental check-up before you are planning to have a baby or after you conceive. Don t forget to tell your dentist if you re pregnant, or planning to be, as x-rays may not be safe at this time. Eyecare It is recommended to have a comprehensive eye examination during pregnancy, especially for women with conditions such as diabetes (including gestational diabetes), high blood pressure, or a family history of glaucoma. During pregnancy, women can experience the following changes to their vision: Prescription changes this can be temporary or permanent. If your prescription changes during your pregnancy, we recommend that you be re-examined at some point after the delivery of your baby or once you finish breast feeding. Dry eyes especially if you wear contact lenses. This can be treated with eye drops. Pregnancy Guide 20

21 Massage Remedial or prenatal massages are great for back pain. There are some essential oils that are beneficial during pregnancy, however, there are some which should be avoided for their contraction stimulating properties. These include arnica, clary sage, fennel, jasmine and juniper. Be sure to check with a qualified therapist before using any essential oils during a massage while you are pregnant. Dealing with morning sickness There are several remedies you can try to help relieve morning sickness - some of which are listed below. You may also be able to claim a benefit for these services from your UniHealth Insurance Extras cover. It is important that you talk to your obstetrician or midwife before you try any of the following remedies. Also ensure that the service providers are experienced in dealing with pregnant women. Acupuncture consult a qualified practitioner such as a member of the Australian Acupuncture and Chinese Medicine Association (AACMA). Hypnosis while there s no definitive evidence that it helps with morning sickness, it has been shown to be effective in combating nausea during chemotherapy. Reflexology can reduce stress and anxiety, which can cause conditions in pregnancy, labour and in the post natal period. Homeopathy can increase well-being prior to pregnancy, improve the chances of conception, treat morning sickness during pregnancy, post-partum bruising of mother and newborn infant, breast feeding problems and postnatal depression. HealthMeasures HealthMeasures is an online health management service that UniHealth Insurance members can access for free. The online library provides a number of interesting articles relating to pregnancy that you will find both valuable and educational. Log in or sign up to HealthMeasures via unihealthinsurance.com.au. If you have further questions, or are unsure of anything you have read in this brochure, please contact us on Pregnancy Guide 21

22 It doesn t hurt to ask. Your pregnancy should be an enjoyable experience. Please contact us if you have any questions - we are here to help you. Call or Alternatively, you can direct your questions to your obstetrician or the hospital where you are scheduled to have your baby. They will be able to tell you what paperwork to take to Medicare and what to give UniHealth Insurance. Pregnancy Guide 22

23 Notes Pregnancy Guide 23

24 UniHealth Insurance Phone Visit unihealthinsurance.com.au Mobile and overseas callers: Fax: Mail: GPO Box 9812, Sydney NSW THF-PG-04/14 The information contained within this brochure is current as at April Membership of UniHealth Insurance is available to current and prior education union members and their families. Fund policy holders and those covered under a policy are subject to the rules and conditions of UniHealth Insurance as well as applicable laws. Fund policy holders are encouraged to review the UniHealth Insurance Privacy Policy, available at unihealthinsurance.com.au. This brochure should be read carefully and retained. UniHealth Insurance is a signatory to the Private Health Insurance Code of Conduct Teachers Federation Health Limited ABN trading as UniHealth Insurance.

Pregnancy Guide. Teachers Federation Health Ltd. ABN 86 097 030 414 trading as Teachers Health Fund. A Registered Private Health Insurer.

Pregnancy Guide. Teachers Federation Health Ltd. ABN 86 097 030 414 trading as Teachers Health Fund. A Registered Private Health Insurer. Pregnancy Guide Teachers Federation Health Ltd. ABN 86 097 030 414 trading as Teachers Health Fund. A Registered Private Health Insurer. 1 Contents Thinking of having a baby? 3 Step 1 Choose the right

More information

Hospital Guide. Teachers Federation Health Ltd. ABN 86 097 030 414 trading as Teachers Health Fund. A Registered Private Health Insurer.

Hospital Guide. Teachers Federation Health Ltd. ABN 86 097 030 414 trading as Teachers Health Fund. A Registered Private Health Insurer. Hospital Guide Teachers Federation Health Ltd. ABN 86 097 030 414 trading as Teachers Health Fund. A Registered Private Health Insurer. Contents Page 3 Things you should know before you go to hospital

More information

What to expect when you re expecting

What to expect when you re expecting What to expect when you re expecting Frequently asked questions about maternity and obstetrics cover at TUH Congratulations Adding a new member to your family is exciting, but can raise many questions

More information

What can we expect? call 132 331. medibank.com.au. A guide to private health insurance for parents-to-be. For more information

What can we expect? call 132 331. medibank.com.au. A guide to private health insurance for parents-to-be. For more information For more information medibank.com.au call 132 331 visit a Medibank store email ask_us@medibank.com.au What can we expect? A guide to private health insurance for parents-to-be Effective 1 January 2011

More information

Make sure you have health cover for your family. Allianz Global Assistance OVHC offers three types of policies:

Make sure you have health cover for your family. Allianz Global Assistance OVHC offers three types of policies: Overseas Visitors Health Cover Pregnancy Fact Sheet This fact sheet aims to help you understand the Australian healthcare system when having a baby. During your pregnancy Make sure you have health cover

More information

Make sure you have health cover for your family. Allianz Global Assistance OSHC offers three types of policies:

Make sure you have health cover for your family. Allianz Global Assistance OSHC offers three types of policies: Overseas Student Health Cover Pregnancy Fact Sheet This fact sheet aims to help you understand the Australian healthcare system when having a baby. During your pregnancy Make sure you have health cover

More information

Make sure you have health cover for your family. Allianz Global Assistance OSHC offers three types of policies:

Make sure you have health cover for your family. Allianz Global Assistance OSHC offers three types of policies: Overseas Student Health Cover Pregnancy Fact Sheet This fact sheet aims to help you understand the Australian healthcare system when having a baby. During your pregnancy Make sure you have health cover

More information

The costs of having a baby. Private system

The costs of having a baby. Private system The costs of having a baby Private system Contents Introduction 4 Weeks 1 4 5 Week 5 5 Week 6 6 Week 10 6 Week 11 7 Week 12 8 Week 15 8 Week 16 9 Week 20 9 Week 21 10 Week 22 10 Week 26 11 Week 32 11 Week

More information

Overseas Visitors Cover

Overseas Visitors Cover straightforward health insurance Overseas Visitors Cover Australia welcomes you 2 3 Who are GMF Health? GMF Health is a not-for-profit Australian private health insurer, that s been providing affordable

More information

Going into hospital?

Going into hospital? Going into hospital? Going into hospital? Being admitted into hospital can be an anxious time for you and your family. Having hospital cover can give you peace of mind, but may also raise many questions

More information

Key Features Guide. What you should know before purchasing private health insurance

Key Features Guide. What you should know before purchasing private health insurance Key Features Guide What you should know before purchasing private health insurance Table of Contents USING THIS GUIDE.......................................................... 2 KEY FEATURES OF HEALTH

More information

GOING TO HOSPITAL WITH YOU ON YOUR JOURNEY

GOING TO HOSPITAL WITH YOU ON YOUR JOURNEY GOING TO HOSPITAL WITH YOU ON YOUR JOURNEY About Bupa Bupa is a healthcare leader, proudly looking after the needs of more than three million Australians. We have been around for over 60 years and we re

More information

TABLE 120 - SCHEDULE OF COVER and POLICY DOCUMENT

TABLE 120 - SCHEDULE OF COVER and POLICY DOCUMENT TABLE 120 - SCHEDULE OF COVER and POLICY DOCUMENT Sections 1,2, 3, 7 and 8 only Contents: Section 1 Section 2 Section 3 Section 7 Section 8 In-Hospital (In-Patient) Expenses for Sickness and Injury, including

More information

Understanding your health care options

Understanding your health care options Understanding your health care options Contents 1 Introduction 1 2 Private or public? The essential differences 2 3 Going private: what you need to know 4 4 Choosing a practitioner 7 5 Choosing a hospital:

More information

Table 190 - SCHEDULE OF COVER and POLICY DOCUMENT

Table 190 - SCHEDULE OF COVER and POLICY DOCUMENT Table 190 - SCHEDULE OF COVER and POLICY DOCUMENT Sections 1,3, 7 and 8 only Contents: Section 1 Section 3 Section 7 Section 8 In-Hospital (In-Patient) Expenses for Sickness and Injury, including rehabilitation

More information

Private Plus Hospital - $250/$500 Excess & Basic Extras Effective 1 September 2014

Private Plus Hospital - $250/$500 Excess & Basic Extras Effective 1 September 2014 Mail: Locked Bag 25, Wollongong NSW 2500 - Phone: 1800 148 626 - Fax: 1300 673 406 Email: info@onemedifund.com.au - Web: www.onemedifund.com.au Private Plus Hospital - $250/$500 Excess & Basic Extras Effective

More information

GOING TO HOSPITAL WHAT YOU NEED TO KNOW

GOING TO HOSPITAL WHAT YOU NEED TO KNOW GOING TO HOSPITAL WHAT YOU NEED TO KNOW Going to hospital We understand that going to hospital can be a stressful time. If you re feeling nervous or don t quite know what to expect don t worry, this is

More information

Cover for pregnancy and childbirth

Cover for pregnancy and childbirth Cover for pregnancy and childbirth 2016 How we cover pregnancy and childbirth in 2016 The Maternity Benefit covers day-to-day and in-hospital medical expenses for expectant mothers and newborns. Overview

More information

Going to hospital can be daunting, especially if you ve never been before. This guide will help you with some of your queries.

Going to hospital can be daunting, especially if you ve never been before. This guide will help you with some of your queries. Going to Hospital Going to hospital can be daunting, especially if you ve never been before. This guide will help you with some of your queries. We ll answer your questions, and then we ll give more questions

More information

Cover for pregnancy and childbirth. Cover for pregnancy and childbirth 20 July 2014 Page 1 of 17

Cover for pregnancy and childbirth. Cover for pregnancy and childbirth 20 July 2014 Page 1 of 17 Cover for pregnancy and childbirth 2014 Cover for pregnancy and childbirth 20 July 2014 Page 1 of 17 How we cover pregnancy and childbirth in 2014 The Maternity Benefit covers day-to-day and in-hospital

More information

OSHC. Overseas Student Health Cover Fact Sheet. nib343001_0415

OSHC. Overseas Student Health Cover Fact Sheet. nib343001_0415 Need help? Call us on 1800 775 204 Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/overseas-students nib health funds limited abn 83 000 124 381 Head Office 22 Honeysuckle Drive Newcastle NSW

More information

OSHC. Overseas Student Health Cover Fact Sheet. nib343001_0415

OSHC. Overseas Student Health Cover Fact Sheet. nib343001_0415 Need help? Call us on 1800 775 204 Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/overseas-students nib health funds limited abn 83 000 124 381 Head Office 22 Honeysuckle Drive Newcastle NSW

More information

Active Choice. Young Choice. Effective 1 April 2015

Active Choice. Young Choice. Effective 1 April 2015 Effective 1 April 2015 Active Choice Young Choice PLEASE CAREFULLY READ AND RETAIN THIS BROCHURE. PLEASE READ IN CONJUNCTION WITH THE IMPORTANT INFORMATION GUIDE. For cover that s hassle free and easy

More information

Ultimate Health Cover

Ultimate Health Cover Ultimate Health Cover 1 April 2013 Your level of cover is a packaged hospital and extras cover. HOSPITAL COVER Your hospital cover provides comprehensive cover that helps pay for hospital and in-patient

More information

MEDIBANK OVERSEAS STUDENT HEALTH COVER

MEDIBANK OVERSEAS STUDENT HEALTH COVER MEDIBANK OVERSEAS STUDENT HEALTH COVER Studying in a foreign country is an exciting experience Keeping healthy will help you get the most out of your studies and ensure you enjoy your time in Australia.

More information

Important information booklet for Australian Residents

Important information booklet for Australian Residents .... About your membership Important information booklet for Australian Residents Contents 2 How do I make a claim? Making hospital claims Your hospital benefits from Medicare Making claims for medical

More information

Waiting periods for private health insurance

Waiting periods for private health insurance Waiting periods for private health insurance A guide for consumers about how and why waiting periods operate, including the rules on pre-existing conditions. This brochure provides consumers with information

More information

Alana Obstetrics A familiar face to deliver your baby..

Alana Obstetrics A familiar face to deliver your baby.. Alana Obstetrics A familiar face to deliver your baby.. Congratulations on your pregnancy and welcome to Alana Obstetrics! Dr Burke, Dr Alejandra Izurieta and Dr Erin Nesbitt-Hawes are your team of Obstetricians

More information

active choice TUH it s my health fund! comprehensive, efficient and friendly service right from the word go TUH offers

active choice TUH it s my health fund! comprehensive, efficient and friendly service right from the word go TUH offers Effective 2 April 2014 Queensland s health fund of choice active choice TUH offers comprehensive, efficient and friendly service right from the word go TUH it s my health fund! Far West Outback PLEASE

More information

rights&responsibilities as a private patient in hospital

rights&responsibilities as a private patient in hospital rights&responsibilities as a private patient in hospital ISBN 1 74186 272 8 Online ISBN: 1 74186 273 6 Publications Approval Number: P3-1969 Print Copyright Commonwealth of Australia 2007 This work is

More information

Cover Comparison. Effective 1 April 2015

Cover Comparison. Effective 1 April 2015 Effective 1 April 2015 Cover Comparison PLEASE CAREFULLY READ AND RETAIN THIS BROCHURE. PLEASE READ IN CONJUNCTION WITH THE IMPORTANT INFORMATION GUIDE. WAITING PERIODS! Immediate cover 2 Months 6 Months

More information

Contents. Contents. BEFORE YOU GO TO HOSPITAL 5 Understanding Out-of-Pocket Expenses 5

Contents. Contents. BEFORE YOU GO TO HOSPITAL 5 Understanding Out-of-Pocket Expenses 5 Going to hospital? Heading to hospital needn t be a daunting experience if you ve got your ducks in a row. This pack will help you make the most of your stay and your health insurance. The more you know,

More information

ANZ Health Insurance. anz.com A2719/0410 BUPA 04409-03-10S

ANZ Health Insurance. anz.com A2719/0410 BUPA 04409-03-10S A2719/0410 BUPA 04409-03-10S Issued by: Bupa Australia Health Pty Ltd ABN 50 003 098 655 Agent for the Insurer: Australia and New Zealand Banking Group Limited ABN 11 005 357 522 (ANZ) Effective date 1

More information

Hospital Cover. Effective 1 April 2015

Hospital Cover. Effective 1 April 2015 Effective 1 April 2015 Hospital Cover PLEASE CAREFULLY READ AND RETAIN THIS BROCHURE. PLEASE READ IN CONJUNCTION WITH THE IMPORTANT INFORMATION GUIDE. Whether you re starting out, raising a family or just

More information

nib OSHC Premium Need help? Call us on 1800 783 685 Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/kuwaitihealth

nib OSHC Premium Need help? Call us on 1800 783 685 Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/kuwaitihealth Need help? Call us on 1800 783 685 Mon to Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Go to nib.com.au/kuwaitihealth nib health funds limited abn 83 000 124 381 Head Office 22 Honeysuckle Drive Newcastle NSW 2300

More information

Know your rights and responsibilities as a private patient in hospital. Private Patients Hospital Charter

Know your rights and responsibilities as a private patient in hospital. Private Patients Hospital Charter Know your rights and responsibilities as a private patient in hospital Private Patients Hospital Charter Commonwealth of Australia 2004 ISBN 0 642 82235 2 This work is copyright. Apart from any use as

More information

Your hospital stay. Everything you need to know

Your hospital stay. Everything you need to know Your hospital stay Everything you need to know How to plan your hospital stay Simple steps to help you get the most from your HBF hospital cover. 1 Understand your cover in advance 2 Visit your GP for

More information

rights&responsibilities as a private patient in hospital

rights&responsibilities as a private patient in hospital rights&responsibilities as a private patient in hospital ISBN 1 74186 272 8 Online ISBN: 1 74186 273 6 Publications Approval Number: P3-1969 Print Copyright Commonwealth of Australia 2007 This work is

More information

Extras Cover (as at April 2015)

Extras Cover (as at April 2015) April 2015 Page 2 of 12 Extras Cover (as at April 2015) Benefits are rebated at 90% of the fee charged for each service/item, up to the maximum benefit payable. Item numbers have been shown where possible

More information

What do I do when I am pregnant in Ireland?

What do I do when I am pregnant in Ireland? What do I do when I am pregnant in Ireland? Produced by Health Information and Advocacy Centre in partnership with Ethnic Minority Health Forum Researched and written by Sarah Duku: Resource and Information

More information

The Aviva Maternity Benefits Guide. Aviva Health Insurance Ireland Limited is regulated by the Central Bank of Ireland.

The Aviva Maternity Benefits Guide. Aviva Health Insurance Ireland Limited is regulated by the Central Bank of Ireland. The Aviva Maternity Benefits Guide Aviva Health Insurance Ireland Limited is regulated by the Central Bank of Ireland. There s more for Mums and Dads with health insurance from Aviva With health insurance

More information

Member Guide Important information about your Health Insurance

Member Guide Important information about your Health Insurance Member Guide Important information about your Health Insurance February 2016 2 Member Guide What s inside How to use our Member Guide...3 Joining Statement...3 I ve joined. What now?...4 Member card...4

More information

Hospital. We ve covered all the important details of your Hospital policy.

Hospital. We ve covered all the important details of your Hospital policy. Hospital We ve covered all the important details of your Hospital policy. Contents 4 Hospital benefit checklist 5 Waiting periods 5 All about claiming 5 Before you claim 5 Making your claim 6 Hospital

More information

straightforward health insurance Your Health Cover Options

straightforward health insurance Your Health Cover Options straightforward health insurance Your Health Cover Options 1 Welcome to GMF Health Why you need GMF Health cover GMF Health has been helping the people of Western Australia for over 60 years. Over that

More information

United States Fire Insurance Company: International Technological University Coverage Period: beginning on or after 9/7/2014

United States Fire Insurance Company: International Technological University Coverage Period: beginning on or after 9/7/2014 or after 9/7/2014 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual Plan Type: PPO This is only a summary. If you want more detail about your coverage and

More information

Medicare provides benefits for a range of out-of-hospital and in-hospital services.

Medicare provides benefits for a range of out-of-hospital and in-hospital services. What is? is a program run by Australia that makes sure all Australians have access to free or low-cost medical, optometrical and hospital care, while also being free to choose private health services.

More information

Gold Hospital Cover (as at April 2015)

Gold Hospital Cover (as at April 2015) April 2015 Gold Hospital Cover (as at April 2015) Contracted Hospitals When a hospital agreement is in place the RBHS will rebate the agreed amount to the hospital from the date the agreement commences.

More information

01 Start with hospital cover

01 Start with hospital cover 01 Start with hospital cover nib private hospital covers pay benefits toward the cost of treatment in an nib Agreement Private Hospital or any public hospital. We recommend top hospital cover for peace

More information

PPO Hospital Care I DRAFT 18973

PPO Hospital Care I DRAFT 18973 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.ibx.com or by calling 1-800-ASK-BLUE. Important Questions

More information

CORPORATE HEALTH COVER DISCOVER THE BENEFITS OF CORPORATE COVER BUPA. FIND A HEALTHIER YOU

CORPORATE HEALTH COVER DISCOVER THE BENEFITS OF CORPORATE COVER BUPA. FIND A HEALTHIER YOU CORPORATE HEALTH COVER DISCOVER THE BENEFITS OF CORPORATE COVER BUPA. FIND A HEALTHIER YOU At Bupa, it s our purpose that makes us different helping our members to live longer, healthier, happier lives.

More information

Maternity Benefit Summary

Maternity Benefit Summary Maternity Benefit Summary 2015 How we cover pregnancy and childbirth in 2015 The Maternity Benefit covers day-to-day and in hospital medical expenses for expecting mothers and newborns. Overview This document

More information

COVER SUMMARY ULTRA HEALTH COVER

COVER SUMMARY ULTRA HEALTH COVER COVER SUMMARY ULTRA HEALTH COVER This provides an important summary of your cover and we recommend that you read and retain it. You can find out more about your membership by referring to the Member Guide,

More information

YOUR HEALTH POLICY Effective 1 December 2013

YOUR HEALTH POLICY Effective 1 December 2013 YOUR HEALTH POLICY Effective 1 December 2013 CONTENTS Why you need health cover in Australia... 4 What you need to know... 6 What you re covered for... 10 What you re not covered for... 14 Waiting periods...

More information

Membership Guide simply better benefits

Membership Guide simply better benefits April 2015 Membership Guide simply better benefits A Contents About the Reserve Bank Health Society 1 Why join the RBHS? 2 Private health insurance coverage 3 New to private health insurance? 4 Benefits

More information

Who Is Involved in Your Care?

Who Is Involved in Your Care? Patient Education Page 3 Pregnancy and Giving Birth Who Is Involved in Your Care? Our goal is to surround you and your family with a safe environment for the birth of your baby. We look forward to providing

More information

This brochure has been written to. help you make the right choice of personal. health cover. To help you, we d like to

This brochure has been written to. help you make the right choice of personal. health cover. To help you, we d like to Hospital Cover Why HBF?... 4 What about the public hospital system?... 6 Why private health insurance?... 8 Choices to suit every body... 10 1. Top Hospital... 10 2. Intermediate Hospital... 10 3. Healthy

More information

A guide for consumers about doctors fees.

A guide for consumers about doctors fees. Doctors Bills A guide for consumers about doctors fees. In Australia, doctors are free to decide how much to charge for their services. How are doctors fees set? In Australia, doctors are free to decide

More information

Comprehensive Extras Cover

Comprehensive Extras Cover Effective?? 1 April????????? 2015 2015 Comprehensive Extras Cover PLEASE CAREFULLY READ AND RETAIN THIS BROCHURE. PLEASE READ IN CONJUNCTION WITH THE IMPORTANT INFORMATION GUIDE. WAITING PERIODS The extras

More information

Understanding Group Health Insurance Anthem KeyCare 15+ Plan

Understanding Group Health Insurance Anthem KeyCare 15+ Plan Understanding Group Health Insurance Anthem KeyCare 15+ Plan January 12, 2010 Although it is the intent of the University to continue current benefit plans, the University reserves the right to modify,

More information

Providing health insurance to the medical community since 1977

Providing health insurance to the medical community since 1977 Providing health insurance to the medical community since 1977 Effective date: 1 April 2012 to 30 June 2012 contents Welcome to The Doctors Health Fund 1 Things you need to know 2 Who can be a member of

More information

Membership guide. Overseas Student Health Cover

Membership guide. Overseas Student Health Cover Membership guide Overseas Student Health Cover Effective 1 April 2014 This guide applies to Medibank Overseas Student Health cover # You should read this guide in conjunction with the Cover summary that

More information

DID YOU KNOW? IMPORTANT INFORMATION

DID YOU KNOW? IMPORTANT INFORMATION i DID YOU KNOW? IMPORTANT INFORMATION Why Medibank? Medibank is more than just about insuring your health. We have the people, services and resources to be your personal health partner, helping you to

More information

Client Information For Maternity

Client Information For Maternity Client Information For Maternity Community & Family Health Lions Gate Hospital Perinatal & Paediatric Services 231 East 15th Street North Vancouver BC V7L 2L7 Tel: 604-988-3131 How do I register for admission?

More information

Core Health Insurance Plans

Core Health Insurance Plans .. Core Health Insurance Plans A Guide To GloHealth Cover Cover For Me Cover For Us Cover For All Of Us Hospital Cover Enhanced Maternity Out-Patient International Health & Travel Sports Cover Family Protection

More information

General Product Guide Effective 1 April 2015

General Product Guide Effective 1 April 2015 General Product Guide Effective 1 April 2015 Teachers Federation Health Ltd. ABN 86 097 030 414 trading as UniHealth Insurance. A Registered Private Health Insurer. Contents Hospital cover 4 Extras cover

More information

Maternity Packages. Exceptional care at every stage of your pregnancy & childbirth

Maternity Packages. Exceptional care at every stage of your pregnancy & childbirth Maternity Packages Exceptional care at every stage of your pregnancy & childbirth INTRODUCTION Al Zahra Private Hospital in Sharjah provides a maternity service of international standard. The Department

More information

YOUR HEALTH POLICY Effective March 2014

YOUR HEALTH POLICY Effective March 2014 YOUR HEALTH POLICY Effective March 2014 CONTENTS Why you need health cover in Australia... 4 What you need to know... 6 What you re covered for... 10 What you re not covered for... 14 Waiting periods...

More information

Medibank Corporate Health Cover. Presenter Date: 27/03/2012

Medibank Corporate Health Cover. Presenter Date: 27/03/2012 Medibank Corporate Health Cover Presenter Date: 27/03/2012 New Medibank corporate health cover. It works for you. Why choose Medibank corporate health cover? You will have greater control over your health

More information

Fund Rules. Overseas Visitors Health Cover. Effective 8 September 2015. nib health funds limited ABN 83 000 124 381

Fund Rules. Overseas Visitors Health Cover. Effective 8 September 2015. nib health funds limited ABN 83 000 124 381 Fund Rules Overseas Visitors Health Cover. Effective 8 September 2015. nib health funds limited ABN 83 000 124 381 Table of Contents LV1 Table Name or Group of Table Names 1 LV2 General Conditions 1 LV3

More information

An easy guide to buying private health insurance.

An easy guide to buying private health insurance. An easy guide to buying private health insurance. Getting private health insurance for tax a very simple check list 1 To save on tax you need appropriate hospital cover Most hospital covers will qualify

More information

Services. Essential Extras. Premier Extras

Services. Essential Extras. Premier Extras cover Acupuncture 3 3 3 Ambulance 3 3 7 Audiology (Hearing Tests) 3 3 7 Chiropractic 3 3 3 Dental General 3 3 3 Dental Major (excl. Orthodontics) 3 3 7 Diabetes Education 3 3 7 Diabetes Australia Membership

More information

Massachusetts Laborers' Health Fund: Plan A Summary of Benefits and Coverage: What this Plan Covers & What it Costs

Massachusetts Laborers' Health Fund: Plan A Summary of Benefits and Coverage: What this Plan Covers & What it Costs Massachusetts Laborers' Health Fund: Plan A Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 01/01/2015-12/31/2015 Coverage for: Individual + Family Plan Type: PPO

More information

Having a Baby at Kareena Private Hospital

Having a Baby at Kareena Private Hospital Having a Baby at Kareena Private Hospital Patient Information Your health is our life Contents 4 Our maternity unit 5 Visiting hours 6 Kareena maternity unit staff 6 Additional services provided 7 For

More information

Customer Care Centre Monday - Friday 8:30am - 6:00pm (AEDT) 1800 22 11 33 (calling from overseas) +61 2 4914 1131. or visit austhealth.

Customer Care Centre Monday - Friday 8:30am - 6:00pm (AEDT) 1800 22 11 33 (calling from overseas) +61 2 4914 1131. or visit austhealth. Customer Care Centre Monday - Friday 8:30am - 6:00pm (AEDT) 1800 22 11 33 (calling from overseas) +61 2 4914 1131 or visit austhealth.com A subsidiary of nib holdings limited IMAN Australian Health Plans

More information

HEALTH INSURANCE HCF FAQs

HEALTH INSURANCE HCF FAQs HEALTH INSURANCE HCF FAQs What benefit is available through Member Advantage? Members receive a 5% discount off all current HCF hospital and extras products. What is the relationship between Member Advantage

More information

MyMoney s guide to medical insurance

MyMoney s guide to medical insurance The best deals from leading insurers MyMoney s guide to medical insurance Public versus Private Medical Coverage Reasons why people buy Private Medical Insurance What are the different options available

More information

Medibank Private Overseas Student Health Cover

Medibank Private Overseas Student Health Cover Medibank Private Overseas Student Health Cover Effective 14 August 2009 What is inside Why OSHC and Medibank Private What is OSHC? Who needs OSHC? Why Medibank Private OSHC? Who is covered? How much does

More information

Twins and Multiples. Monochorionic diamniotic twins, Monochorionic monoamniotic triplets or Higher order multiples. Oxford University Hospitals

Twins and Multiples. Monochorionic diamniotic twins, Monochorionic monoamniotic triplets or Higher order multiples. Oxford University Hospitals Oxford University Hospitals NHS Trust Twins and Multiples Monochorionic diamniotic twins, Monochorionic monoamniotic triplets or Higher order multiples How common are multiple pregnancies? Women who are

More information

Access. Gap. Reduce your out-of-pocket expenses

Access. Gap. Reduce your out-of-pocket expenses Access Gap Reduce your out-of-pocket expenses If you re going to hospital, the last thing you want to worry about is medical bills. Even with private hospital cover, you can still receive bills for your

More information

Membership Guide. Effective 1 April 2016

Membership Guide. Effective 1 April 2016 Membership Guide Effective 1 April 2016 Contents Hospital cover 4 Extras cover 10 Emergency Ambulance cover 17 Combined cover StarterPak 18 Things to know 22 How to claim for Extras services 27 How to

More information

PERSONAL INJURY CLAIM FORM

PERSONAL INJURY CLAIM FORM Office use only Policy Number: 0028332 Claim Number: s PERSONAL INJURY CLAIM FORM INSURANCE BROKER FOR TENPIN BOWLING AUSTRALIA V-Insurance Group Pty Ltd Authorised Representative No. 432898 an authorised

More information

Important Information Guide

Important Information Guide Effective 1 April 2015 Important Information Guide Please carefully read and retain this information. Refer to your relevant product brochure for specific information about your cover. This publication

More information

Your overall limit Silver Gold Platinum $1,000,000 800,000 650,000. Your standard medical benefits Silver Gold Platinum

Your overall limit Silver Gold Platinum $1,000,000 800,000 650,000. Your standard medical benefits Silver Gold Platinum Medical Insurance ur plans comprise of 3 distinct levels of cover: Silver, Gold and Platinum. Choose your level of cover from the table below. All amounts apply per beneficiary and per (except where otherwise

More information

Boston College Student Blue PPO Plan Coverage Period: 2015-2016

Boston College Student Blue PPO Plan Coverage Period: 2015-2016 Boston College Student Blue PPO Plan Coverage Period: 2015-2016 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual and Family Plan Type: PPO This is only a

More information

CORPORATE HEALTH COVER BRINGING YOU CORPORATE BENEFITS

CORPORATE HEALTH COVER BRINGING YOU CORPORATE BENEFITS CORPORATE HEALTH COVER BRINGING YOU CORPORATE BENEFITS A B WELCOME TO BUPA We all want to live longer, healthier, happier lives. Bupa has a range of health covers designed to help find a healthier you.

More information

Public Hospital. Bronze Extras * Ambulance cover

Public Hospital. Bronze Extras * Ambulance cover Effective 1 July 2015 Hospital & Bronze Extras * *This cover is closed to new members Our Hospital & Bronze Extras cover gives you cover as a private patient in a public hospital for most services, as

More information

Birth place decisions

Birth place decisions Birth place decisions Information for women and partners on planning where to give birth Where can I give birth? What birth settings might be suitable for me? Who can I ask for help? Where can I find out

More information

BICYCLE NEW SOUTH WALES PERSONAL INJURY CLAIM FORM

BICYCLE NEW SOUTH WALES PERSONAL INJURY CLAIM FORM Office use only Policy Number: AN A044041 PAD Claim Number: BICYCLE NEW SOUTH WALES PERSONAL INJURY CLAIM FORM INSURANCE BROKER FOR BICYCLE NEW SOUTH WALES INC V-Insurance Group Pty Ltd V-Insurance Group

More information

www.nextstepaustralia.com Healthcare in Australia

www.nextstepaustralia.com Healthcare in Australia www.nextstepaustralia.com Healthcare in Australia Healthcare in Australia Australia has a complex healthcare system including both public & private provision. Medicare the state-run healthcare scheme is

More information

I. Examples where allied health care providers offer the same or similar services as other providers and are not recognised by health funds,

I. Examples where allied health care providers offer the same or similar services as other providers and are not recognised by health funds, Submission regarding the ACCC s Report to the Australian Senate on anti-competitive and other practices by health funds and providers in relation to private health insurance Thank you for the opportunity

More information

Medibank OSHC Essentials. Policy guide. Effective 1 April 2014. This guide only applies to Medibank OSHC Essentials Policy.

Medibank OSHC Essentials. Policy guide. Effective 1 April 2014. This guide only applies to Medibank OSHC Essentials Policy. Policy guide Medibank OSHC Essentials Effective 1 April 2014 This guide only applies to Medibank OSHC Essentials Policy. Contents Your guide to membership 3 Why you need health cover in Australia 4 What

More information

Important Information Guide

Important Information Guide Effective 1 April 2015 Important Information Guide Please carefully read and retain this information. Refer to your relevant product brochure for specific information about your cover. This publication

More information

About public outpatient services

About public outpatient services About public outpatient services Frequently asked questions What are outpatient services? Victoria s public hospitals provide services to patients needing specialist medical, paediatric, obstetric or surgical

More information

OVERSEAS STUDENT HEALTH COVER WHAT YOU NEED WHILE YOU STUDY

OVERSEAS STUDENT HEALTH COVER WHAT YOU NEED WHILE YOU STUDY OVERSEAS STUDENT HEALTH COVER WHAT YOU NEED WHILE YOU STUDY A WELCOME TO AUSTRALIA While you re in Australia for study the last thing you want to worry about is what happens if you get sick or have an

More information

A Guide to GloHealth Cover

A Guide to GloHealth Cover A Guide to GloHealth Cover Cover For Me Cover For Us Cover For All Of Us Hospital Cover Enhanced Maternity Out-Patient International Health & Travel Sports Cover Out-Patient Scans Women s & Men s Health

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: PPO Student/Affiliate Plan MIT Student/Affiliate Extended Insurance Plan Coverage Period: 2014-2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual, Couple,

More information

Extras Plus Effective 1 October 2014

Extras Plus Effective 1 October 2014 Mail: Locked Bag 25, Wollongong NSW 2500 - Phone: 1800 148 626 - Fax: 1300 673 406 Email: info@onemedifund.com.au - Web: www.onemedifund.com.au Extras Plus Effective 1 October 2014 Benefit Summary Note:

More information

AMEX International Healthcare Plan Benefits schedule

AMEX International Healthcare Plan Benefits schedule Quality health plans & benefits Healthier living Financial well-being Intelligent solutions AMEX International Healthcare Plan Benefits schedule Effective 1 April 2015 46.06.933.1-EUAM D (4/15) Your flexible

More information

Products and Benefits Guide

Products and Benefits Guide Products and Benefits Guide April 2014 This booklet contains... a A list of our different covers a Explanation of benefits & services a Application forms + more! Because We Care ACA Health Products and

More information